Is Your 15-Year-Old Roof Still Insurable? What Titusville Homeowners Need to Know About SB 808 in 2026
- Robert Jones
- 3 days ago
- 2 min read
If you live in Titusville, or anywhere in Brevard County you’ve likely received the dreaded letter. Insurance companies across Florida are cracking down on "aging" roofs, often threatening to drop homeowners the moment a shingle roof hits the 15-year mark.
But before you rush into a $20,000 replacement, there is a new legislative shield you need to know about: Florida Senate Bill 808.
What is SB 808? (The 2026 Insurance Lifeline)
Introduced for the 2026 legislative session and set to take effect on July 1, 2026, SB 808 is a game-changer for Brevard County. It expands protections to ensure that condition, not just age, determines if your home is insurable.
The "5-Year Useful Life" Rule
Under SB 808, an insurance company cannot refuse to renew your policy solely because of your roof’s age if a licensed roofing contractor (like Robert Jones Roofing) provides an official inspection showing the roof has at least 5 years of useful life remaining.
Why Robert Jones Roofing Uses Atlas Shingles to Beat the Clock
When we inspect a roof for an "Insurance Compliance Audit," we are looking for the structural integrity that insurance adjusters demand. This is why we exclusively use Atlas Shingles.
In the salt-heavy air of the Space Coast, standard shingles fail fast. Atlas shingles are built differently:
Core4â„¢ Technology:Â These shingles stay flexible. While other brands become brittle and "fail" an insurance inspection at year 14, Atlas shingles are designed to maintain their "useful life" much longer.
Scotchgardâ„¢ Protector:Â Black algae streaks trap heat and age your shingles prematurely. Atlas shingles stay clean, helping them pass visual inspections with flying colors.
150 MPH Wind Warranty:Â With Atlas HP42 technology, your roof is built to withstand the specific wind speeds required for coastal Florida.
Think your roof still has 5 years left? Click here to get a certified inspection to prove it to your insurer.
Don’t Wait for July 1st—Be Proactive
Even though the law officially kicks in this summer, insurance companies are already making moves. If your roof is between 12 and 15 years old, now is the time to act.
3 Steps to Protect Your Titusville Home Today:
Schedule a Compliance Audit:Â We provide the official documentation your insurance company needs.
Check Your Pitch:Â SB 808 differentiates between "Steep-Slope" and "Low-Slope" (flat) roofs. Flat roofs can often be saved with a professional coating.
Get a Wind Mitigation Report: This can lower your premiums immediately, regardless of your roof’s age.
Your Local Titusville Experts
At Robert Jones Roofing, we’ve been serving Titusville and Brevard County for years. We know the local inspectors, the local building codes, and exactly what Florida insurance companies are looking for in 2026.
Is your insurance renewal around the corner? Don't let the 2026 insurance changes catch you off guard. Call Robert Jones Roofing at 321-403-5047Â or click the link below to get started.